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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 3.36
HFWA's Cash to Debt is ranked higher than
59% of the 966 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.47 vs. HFWA: 3.36 )
Ranked among companies with meaningful Cash to Debt only.
HFWA' s 10-Year Cash to Debt Range
Min: 0.47  Med: 11.74 Max: No Debt
Current: 3.36
Equity to Asset 0.13
HFWA's Equity to Asset is ranked higher than
76% of the 1319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HFWA: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
HFWA' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.13 Max: 0.29
Current: 0.13
0.09
0.29
Interest Coverage 4.91
HFWA's Interest Coverage is ranked higher than
80% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. HFWA: 4.91 )
Ranked among companies with meaningful Interest Coverage only.
HFWA' s 10-Year Interest Coverage Range
Min: 0.01  Med: 1.34 Max: 9999.99
Current: 4.91
0.01
9999.99
F-Score: 5
WACC vs ROIC
8.95%
10.51%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 24.62
HFWA's Operating margin (%) is ranked lower than
62% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.90 vs. HFWA: 24.62 )
Ranked among companies with meaningful Operating margin (%) only.
HFWA' s 10-Year Operating margin (%) Range
Min: 0.15  Med: 30.46 Max: 39.29
Current: 24.62
0.15
39.29
Net-margin (%) 18.36
HFWA's Net-margin (%) is ranked lower than
61% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.60 vs. HFWA: 18.36 )
Ranked among companies with meaningful Net-margin (%) only.
HFWA' s 10-Year Net-margin (%) Range
Min: 1.15  Med: 20.11 Max: 25.9
Current: 18.36
1.15
25.9
ROE (%) 6.94
HFWA's ROE (%) is ranked lower than
60% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.41 vs. HFWA: 6.94 )
Ranked among companies with meaningful ROE (%) only.
HFWA' s 10-Year ROE (%) Range
Min: 0.43  Med: 7.05 Max: 16.49
Current: 6.94
0.43
16.49
ROA (%) 0.92
HFWA's ROA (%) is ranked higher than
56% of the 1392 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. HFWA: 0.92 )
Ranked among companies with meaningful ROA (%) only.
HFWA' s 10-Year ROA (%) Range
Min: 0.06  Med: 1.15 Max: 1.57
Current: 0.92
0.06
1.57
ROC (Joel Greenblatt) (%) 64.11
HFWA's ROC (Joel Greenblatt) (%) is ranked lower than
56% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. HFWA: 64.11 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
HFWA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 0.49  Med: 61.08 Max: 105.54
Current: 64.11
0.49
105.54
Revenue Growth (3Y)(%) 3.10
HFWA's Revenue Growth (3Y)(%) is ranked higher than
57% of the 1170 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. HFWA: 3.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HFWA' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 1.00 Max: 28.2
Current: 3.1
0
28.2
EBITDA Growth (3Y)(%) 30.30
HFWA's EBITDA Growth (3Y)(%) is ranked higher than
88% of the 1029 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. HFWA: 30.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HFWA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -1.35 Max: 111.1
Current: 30.3
0
111.1
EPS Growth (3Y)(%) 25.00
HFWA's EPS Growth (3Y)(%) is ranked higher than
78% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. HFWA: 25.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HFWA' s 10-Year EPS Growth (3Y)(%) Range
Min: -23.3  Med: 9.60 Max: 36.1
Current: 25
-23.3
36.1
» HFWA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

HFWA Guru Trades in Q2 2014

Jim Simons 84,594 sh (+207.64%)
First Pacific Advisors 275,000 sh (unchged)
» More
Q3 2014

HFWA Guru Trades in Q3 2014

Jim Simons 114,389 sh (+35.22%)
First Pacific Advisors 275,000 sh (unchged)
» More
Q4 2014

HFWA Guru Trades in Q4 2014

First Pacific Advisors 275,000 sh (unchged)
Jim Simons 30,600 sh (-73.25%)
» More
Q1 2015

HFWA Guru Trades in Q1 2015

Jim Simons 48,189 sh (+57.48%)
First Pacific Advisors 275,000 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with HFWA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 18.60
HFWA's P/E(ttm) is ranked lower than
73% of the 1245 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. HFWA: 18.60 )
Ranked among companies with meaningful P/E(ttm) only.
HFWA' s 10-Year P/E(ttm) Range
Min: 8.06  Med: 16.14 Max: 505.16
Current: 18.6
8.06
505.16
Forward P/E 13.21
HFWA's Forward P/E is ranked lower than
61% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.17 vs. HFWA: 13.21 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.70
HFWA's PE(NRI) is ranked lower than
73% of the 1242 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. HFWA: 18.70 )
Ranked among companies with meaningful PE(NRI) only.
HFWA' s 10-Year PE(NRI) Range
Min: 8.04  Med: 16.13 Max: 522
Current: 18.7
8.04
522
P/B 1.16
HFWA's P/B is ranked lower than
56% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HFWA: 1.16 )
Ranked among companies with meaningful P/B only.
HFWA' s 10-Year P/B Range
Min: 0.71  Med: 1.16 Max: 2.7
Current: 1.16
0.71
2.7
P/S 3.35
HFWA's P/S is ranked lower than
58% of the 1367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. HFWA: 3.35 )
Ranked among companies with meaningful P/S only.
HFWA' s 10-Year P/S Range
Min: 1.3  Med: 3.06 Max: 7.41
Current: 3.35
1.3
7.41
PFCF 12.60
HFWA's PFCF is ranked lower than
55% of the 801 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.49 vs. HFWA: 12.60 )
Ranked among companies with meaningful PFCF only.
HFWA' s 10-Year PFCF Range
Min: 5  Med: 11.18 Max: 126.05
Current: 12.6
5
126.05
POCF 11.54
HFWA's POCF is ranked lower than
59% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.73 vs. HFWA: 11.54 )
Ranked among companies with meaningful POCF only.
HFWA' s 10-Year POCF Range
Min: 4.23  Med: 9.94 Max: 97.4
Current: 11.54
4.23
97.4
EV-to-EBIT 12.53
HFWA's EV-to-EBIT is ranked higher than
58% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.11 vs. HFWA: 12.53 )
Ranked among companies with meaningful EV-to-EBIT only.
HFWA' s 10-Year EV-to-EBIT Range
Min: -1.6  Med: 9.95 Max: 990.7
Current: 12.53
-1.6
990.7
PEG 0.51
HFWA's PEG is ranked higher than
79% of the 573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. HFWA: 0.51 )
Ranked among companies with meaningful PEG only.
HFWA' s 10-Year PEG Range
Min: 0.27  Med: 1.16 Max: 109.33
Current: 0.51
0.27
109.33
Shiller P/E 24.39
HFWA's Shiller P/E is ranked lower than
74% of the 765 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.18 vs. HFWA: 24.39 )
Ranked among companies with meaningful Shiller P/E only.
HFWA' s 10-Year Shiller P/E Range
Min: 6.45  Med: 15.62 Max: 30.41
Current: 24.39
6.45
30.41
Days Sales Outstanding 24.04
HFWA's Days Sales Outstanding is ranked higher than
72% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.05 vs. HFWA: 24.04 )
Ranked among companies with meaningful Days Sales Outstanding only.
HFWA' s 10-Year Days Sales Outstanding Range
Min: 23.33  Med: 30.63 Max: 46.43
Current: 24.04
23.33
46.43

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.19
HFWA's Dividend Yield is ranked lower than
61% of the 2188 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.63 vs. HFWA: 2.19 )
Ranked among companies with meaningful Dividend Yield only.
HFWA' s 10-Year Dividend Yield Range
Min: 0.23  Med: 2.67 Max: 7.47
Current: 2.19
0.23
7.47
Dividend Payout 0.29
HFWA's Dividend Payout is ranked higher than
58% of the 1279 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. HFWA: 0.29 )
Ranked among companies with meaningful Dividend Payout only.
HFWA' s 10-Year Dividend Payout Range
Min: 0.22  Med: 0.43 Max: 1.9
Current: 0.29
0.22
1.9
Dividend growth (3y) 37.80
HFWA's Dividend growth (3y) is ranked higher than
88% of the 652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. HFWA: 37.80 )
Ranked among companies with meaningful Dividend growth (3y) only.
HFWA' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 14.95 Max: 73.5
Current: 37.8
0
73.5
Yield on cost (5-Year) 2.19
HFWA's Yield on cost (5-Year) is ranked lower than
66% of the 2173 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.04 vs. HFWA: 2.19 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HFWA' s 10-Year Yield on cost (5-Year) Range
Min: 0.23  Med: 2.68 Max: 7.47
Current: 2.19
0.23
7.47
Share Buyback Rate -18.00
HFWA's Share Buyback Rate is ranked lower than
88% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. HFWA: -18.00 )
Ranked among companies with meaningful Share Buyback Rate only.
HFWA' s 10-Year Share Buyback Rate Range
Min: 11.7  Med: -1.35 Max: -32.6
Current: -18

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.61
HFWA's Price/Tangible Book is ranked lower than
71% of the 1329 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. HFWA: 1.61 )
Ranked among companies with meaningful Price/Tangible Book only.
HFWA' s 10-Year Price/Tangible Book Range
Min: 0.3  Med: 1.36 Max: 2.99
Current: 1.61
0.3
2.99
Price/Projected FCF 0.80
HFWA's Price/Projected FCF is ranked lower than
60% of the 759 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. HFWA: 0.80 )
Ranked among companies with meaningful Price/Projected FCF only.
HFWA' s 10-Year Price/Projected FCF Range
Min: 0.39  Med: 0.79 Max: 1.34
Current: 0.8
0.39
1.34
Price/Median PS Value 1.10
HFWA's Price/Median PS Value is ranked lower than
51% of the 1232 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. HFWA: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
HFWA' s 10-Year Price/Median PS Value Range
Min: 0.47  Med: 1.13 Max: 3.71
Current: 1.1
0.47
3.71
Price/Peter Lynch Fair Value 1.97
HFWA's Price/Peter Lynch Fair Value is ranked lower than
83% of the 348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. HFWA: 1.97 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HFWA' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.52  Med: 1.08 Max: 2.32
Current: 1.97
0.52
2.32
Price/Graham Number 1.17
HFWA's Price/Graham Number is ranked lower than
75% of the 1122 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. HFWA: 1.17 )
Ranked among companies with meaningful Price/Graham Number only.
HFWA' s 10-Year Price/Graham Number Range
Min: 0.66  Med: 1.13 Max: 3.5
Current: 1.17
0.66
3.5
Earnings Yield (Greenblatt) (%) 8.00
HFWA's Earnings Yield (Greenblatt) (%) is ranked higher than
62% of the 1343 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. HFWA: 8.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HFWA' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 9.90 Max: 854.4
Current: 8
0.1
854.4
Forward Rate of Return (Yacktman) (%) 17.94
HFWA's Forward Rate of Return (Yacktman) (%) is ranked higher than
61% of the 758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.31 vs. HFWA: 17.94 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HFWA' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -36.8  Med: 13.25 Max: 79.5
Current: 17.94
-36.8
79.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Heritage Financial Corp is a bank holding company that was incorporated in the State of Washington in August 1997. The Company is primarily engaged in the business of planning, directing, and coordinating the business activities of its wholly owned subsidiary Heritage Bank. The deposits of the Bank are insured by the FDIC. Heritage Bank conducts business in its thirty-five branch offices located in Washington and the greater Portland, Oregon area. Its business consists primarily of lending and deposit relationships with small businesses and their owners, and attracting deposits from the general public. It also makes real estate construction and land development loans, one-to-four family residential loans, and consumer loans. It offers deposit accounts designed to attract both short-term and long-term deposits. These accounts include noninterest demand accounts, negotiable order of withdrawal accounts, money market accounts, savings accounts and certificates of deposit. The Company is subject to extensive Federal and Washington State legislation, regulation, and supervision. The Company competes for loans and deposits with other commercial banks, credit unions, mortgage bankers, and other institutions in the scope and type of services offered, interest rates paid on deposits, pricing of loans, and number and locations of branches, among other things.
» More Articles for HFWA

Headlines

Articles On GuruFocus.com
Heritage Financial Corp. Reports Operating Results (10-K) Mar 04 2011 
Heritage Financial Corp. Reports Operating Results (10-Q) Nov 08 2010 
Heritage Financial Corp. Reports Operating Results (10-Q) Aug 03 2010 
Heritage Financial Corp. Reports Operating Results (10-Q) May 04 2010 
Heritage Financial Corp. (HFWA) Chairman Donald V Rhodes sells 5,000 Shares Feb 25 2010 
Heritage Financial Corp. (HFWA) Chairman Donald V Rhodes sells 3,000 Shares Feb 18 2010 
Heritage Financial Corp. (HFWA) Chairman Donald V Rhodes sells 17,000 Shares Feb 12 2010 
Heritage Financial Corp. Reports Operating Results (10-Q) May 11 2009 
Heritage Financial Corporation of Olympia, Washington Announces Fourth Quarter and Full Year 2008 Re Jan 27 2009 
Heritage Financial Corporation Announces Earnings Conference Call Jan 08 2009 

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